| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE BEYMER3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $4K | $0 | $4K | 0.71% |
| FINANCIAL BENEFITS SERVICES LLC3 Filed as: FINANCIAL BENEFITS INSURANCE, INC. | 1311 KAPIOLANI BLVD STE 504 HONOLULU, HI 96814 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $758 | $0 | $758 | 0.12% |
| EMPLOYEE BENEFIT CONSULTING LLC3 Filed as: EMPLOYEE BENEFIT CONSULTING, LLC | 500 ALA MOANA BLVD TOWER 2 #303 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $576 | $0 | $576 | 0.09% |
| MANDI TAOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $387 | $0 | $387 | 0.06% |
| GUY TANIOKA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $340 | $0 | $340 | 0.05% |
| CHUCK TONDA3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $311 | $0 | $311 | 0.05% |
| P.S.H. INSURANCE, INC.3 | 737 BISHOP ST STE 2120 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $225 | $0 | $225 | 0.04% |
| JAMIE REICH3 | 220 SOUTH KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $218 | $0 | $218 | 0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 99 | $624K |
| Dental | HAWAII MEDICAL ASSURANCE ASSOCIATION | 99 | $624K |
| Vision | HAWAII MEDICAL ASSURANCE ASSOCIATION | 99 | $624K |
| Life insurance | HAWAII MEDICAL ASSURANCE ASSOCIATION | 99 | $624K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 99 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.